Yellow Star: Not urgent, action required should I choose so. (For example: email from bank to update account details, random question from a stranger, email elaborating on an idea I want to expand on later, etc)

Blue "i": Reference material or extra info to read.

Go through your new mails quickly, star them accordingly and archive them all so that they're no longer in your inbox (Make sure to use Gmail shortcuts: j for next, k for previous, s for star, y to archive)

Then review the starred mails daily??in order of priority (Search for "has:red-bang" to see all your highest priority items)

In addition to Sheraan's method, I also use Multiple Inboxes, so that I can always see the urgent emails at the top in a panel above my main Inbox. (I use has:red-bang has:yellow-star at the moment)

I still find filtering >150 emails a day tedious, but an organised approach helps a lot.

Dear PSG, thank you for your kind offer of giving me 1.5767 PSG shares (worth R22.00 each) for every Capitec share I own (worth R78.50 each). (A trade that would give me R34.69 for every R78.50 I now have)

I hereby would like to indicate that I will NOT take up your offer.

However, I would like to offer you a trade of a similar value, which you might find of great interest.

My wife’s 2005 Opel Corsa Lite has a book value of ca. R55,000. Would you mind trading this up for me on a similar basis as your share offer? R55,000 would thus become R124,000, which should be just enough for a 2009 Toyota Yaris with about 20,000 km, airconditioning and airbags.

Let me know if you’d like to find a suitable Toyota yourselves, or whether you’d rather pay me the money and we’ll get it ourselves.

In terms of this event, PSG Group Limited has made an offer to Capitec Bank Holdings Limited shareholders to acquire all or part of their Capitec Bank Holdings Limited shares for a share consideration of 1.5767 new PSG Group Limited for every one Capitec Bank Holdings Limited share held. The exchange offer provides shareholders with the following options:

Option One:Shareholders may accept the offer and receive a share consideration of 1.5767 PSG Group Limited (PSG) for every one Capitec Bank Holdings Limited share held in exchange for your shares.

Option Two: Reject the offer and retain your shares

Please take note of the following salient dates:

Last Day to Trade: 08th of January 2010 (the last date that a shareholder can trade in Capitec Bank Holdings Limited ordinary shares in order to qualify for or participate in the corporate event)

Record date: 15th of January 2010 (the date on which the shareholders final position to participate in this corporate event is determined)

The deadline by which we must receive a response from you: 12th of January 2010 on or before 10h00 S.A. time

Payment date: 18th of January 2010 (the date on which the shareholder receives his or her entitlement from corporate event)

All instructions sent to us via e-mail must be acknowledged by corporateactions@standardbank.co.za to take effect. Standard Bank Group will not take any responsibility for instructions sent via e-mail that are not delivered to the bank within the specified timeframe

Please advise us of the option you have selected by replying to this e-mail, or contacting our Call Centre on 0860-121-161 on or before the response deadline date mentioned above. Please note that should we not receive a response from you by the response deadline date, the default option (option two as above) will be applied.

Thank you,

Standard Financial Markets (Pty) Limited

Disclaimer While every care has been taken in preparing this document and it has been prepared from sources believed to be reliable, no representation, warranty, or undertaking (express or implied) is given and no responsibility or liability is accepted by any entity within the Standard Bank Group Limited, its employees and agents, as to the accuracy of the information contained therein. All information may be changed after distribution at any time without notice.